I agree with @mom2collegekids that this student needs a much clearer picture of her family’s finances. This time last year she was wondering when/how to tell the boss at the grocery store where she worked that she intended to quit when school started in the fall. She said she didn’t want to work 15 hours and “didn’t care” about the money ($7.25/hour). As a New Yorker, it doesn’t make sense to me that a family (of at least 4) earning “less than $25k/year” would so easily walk away from an extra ~$5k/year.
OP, if you apply to schools that require the CSS Profile, they’re going to dig down deep into your finances. It’s important for you create some sort of budget, but since your family owns a business net price calculators won’t be accurate. You really need to find out how much your parents can/are willing to pay per year without borrowing. You can take the federal student loan (~$5500/year), and if you work summers you can probably earn another ~$3k. That gives you ~$8500 plus whatever your parents can contribute. I think you probably need to pursue full tuition scholarships.
You might qualify for a Pell grant of up to $5k/year and a NYS TAP (tuition assistance) grant (or the Excelsior tuition scholarship if you attend a SUNY), but that depends on actual income. As a state resident, I’d be pretty unhappy to learn that your parents were writing off enough income so you qualify for free tuition while they’re qualifying for a mortgage on a $600k house. [Payments on a $400k mortgage (30 years @3.25%) would be $1740/month. If they can pay that, how is their total income less than $25k/year?] In any case, you can’t depend on qualifying for those grants. You really need to start with finding a financial safety or two.